US Commercial Multifamily · LendCity Network
US multifamily financing for 5+ unit deals — not Canadian CMHC.
Multi-Family USA is the US commercial multifamily satellite in the LendCity network: agency, bridge, bank, and commercial DSCR for 5+ unit apartments. Canadian CMHC/MLI stays on lendcity.ca; 1–4 unit residential DSCR stays on DSCR Authority. Ready to get financed? Book a free strategy call.
- Coverage
- 50+
- states & DC
- Tools
- 20+
- underwriting calcs
- Response
- ~1 hr
- deal review turn
Free multifamily deal review
Four quick steps — asset, numbers, profile, contact. No credit pull.
Your investor journey
Step 1/4 · 25%No credit pull. US multifamily only. Your info is shared only for deal review follow-up.
Quick answer
What is Multi-Family USA?
Multi-Family USA is the US commercial multifamily financing resource in the LendCity network for apartment properties with five or more units. We help operators underwrite deals, compare agency vs bridge vs bank capital, and book a LendCity strategy call — without duplicating Canadian CMHC/MLI content from lendcity.ca.
- US 5+ unit commercial scope — not Canadian CMHC/MLI (lendcity.ca)
- Not 1–4 unit residential DSCR (dscrauthority.com)
- Free calculators for cap rate, commercial DSCR, debt yield, and loan sizing
- Primary ACTION: book a LendCity strategy call to get financed
Multifamily financing fundamentals
Learn
Plain-English guidance for agency, bridge, debt fund, and bank multifamily execution.
ExploreUnderwriting calculators
Tools
Analyze NOI, cap rate, DSCR, debt yield, cash-on-cash, and loan sizing in minutes.
ExploreState and city coverage
Markets
51-state multifamily financing overviews plus city-level market snapshots.
ExploreCapital stack decisions
Compare
Compare loan products and execution paths by cost of capital, proceeds, and flexibility.
ExploreOperator playbooks
Invest
Profiles and decision frameworks for first-time and institutional multifamily operators.
ExploreRecently funded deals
Anonymized examples of closed multifamily executions
Borrower and property identity omitted. Rate ranges are illustrative of market at close.
48
units
TX
Agency (Fannie)
5.75–6.05%
2025
72
units
FL
Bridge-to-agency
SOFR + 350–450
2025
24
units
NC
Bank portfolio
6.25–6.50%
2024
96
units
AZ
Debt fund
7.50–7.85%
2024
36
units
TN
Agency (Freddie)
5.95–6.20%
2025
What you can do here
- Model NOI, cap rate, debt yield, commercial DSCR, cash-on-cash, and loan sizing.
- Review market-level underwriting context across all 50 states plus DC.
- Compare agency vs bridge, bank vs debt fund, and fixed vs floating structures.
- Book a LendCity strategy call or send a free deal review for lender-fit guidance.
Related resources in the LendCity network
Multi-Family USA is the US 5+ unit commercial multifamily satellite. Canadian CMHC/MLI stays on lendcity.ca; 1–4 unit residential DSCR stays on DSCR Authority. Book a strategy call here for US multifamily financing.
DSCR Authority — US 1–4 unit DSCR
Canonical ACTION for residential DSCR (1–4 units): calculators, state guides, and lender matching — not this site.
LendCity — Canadian multifamily & CMHC MLI
Canonical ACTION for CMHC MLI Select and Canadian multifamily — do not clone those guides on Multi-Family USA.
LendCity — Cross-border financing
Canadians buying US rental or multifamily — entity and lender-fit planning on the hub.